What is Financial Literacy?

Are You on the Trail to Financial Freedom or the Path to Financial Disaster?

ESSENTIAL PERSONAL FINANCE SKILLS TO PROTECT YOU…

Do you and your spouse quarrel about money? Many experts believe that 90% of divorces are rooted in financial problems. Are you burdened with debt?

When your credit card bill comes, are you ashamed and afraid to open it? How much savings do you have? Contrast your lifetime savings to your lifetime earnings. You will be shocked when you realize how much money has passed through your hands, yet how little of it you have kept. Can you afford a college education for your children? For even one of them? Is your job secure anymore?How long can you sustain your current lifestyle if you lost your job due to a:

  • Merger
  • Bankruptcy
  • Retrenchment
  • Lay-off
  • Outsourcing
  • Health Problems

Is money a daily struggle? Is it so tight that any unexpected expense is a burden to your family? Do you pray that the clothes/car/refrigerator will last a little longer because you have no idea how to pay for it when it fails?

Face the Facts: “You and No One Else Are Totally Responsible For Your Financial Situation!” If you continue much longer on your present path, not only will you never achieve financial freedom, but financial ruin lies ahead. Many people are dangerously close to financial disaster!

What about your retirement? Do you dream of financial freedom for your golden years? Again, you are totally responsible for how well (or poorly) you live in your golden years.

Are you counting on Pension? Even if Pension exists in the future, it will certainly be something much less than it is now. Mandatory Government Insurance arrangement is highly limited in its coverage. The IDEA of expecting the government to take care of us is pure folly!

How reliable are corporate pensions? Do you dare argue that your employer will still be there to take care of you for 10, 15, or 20 years after you retire? You probably have a long list of things you’re looking forward to do it when you retire:

  • Travel
  • Visiting grandchildren
  • Going back to school
  • Trans-locating
  • Starting a small business
  • Playing golf
  • Buying a boat and fishing
  • Pursuing earlier dreams which were quenched or forgotten by the busyness of life

Whatever your dreams are, they will take money… lots and lots of it! This site is about actions you can take now to make your financial position as strong as possible. We will show you the path to financial freedom.

When WORKERS reach age 65, after working hard for 40years, only 1% will be wealthy. Only 4% of retirees will have adequate investments or savings to actually retire at some level of comfort. Do you really think you’ll be in the top 1% or 4%? Or will you be in the 95% that is Vulnerable?

You don’t want to be in this 95%! Of this unfortunate group, almost two thirds, 63% will be forced to depend on pension, relatives, or charity to house and feed them.

Even with help from pension (as it exists now) a recent study found that the average EMPLOYEE is on track to replace just 30% of his or her current income in retirement. Think of that statistic this way…How long could comfortably live if you suddenly lost 70% of your current income?

3% of retirees must keep working, often in minimum-wage jobs alongside of teenagers! Do you aspire to be a Wal-Mart greeter at age 80? What is the one thing that these unfortunate 95%all have in common? …

… They never thought they’d end up like this! Others thought the government would take care of things! Or that, things would somehow sort themselves out!

The ignorance and denial of this problem is so prevalent that 74% of WORKERS believe they are financially prepared for retirement! While they believe they are on the right track, here’s the reality: People are living a lot longer now, which only makes matters worse.

The Smart Question to Ask Yourself is: “What Can I Do Now to Make Sure I’m in the 5% Group and Not the 95%?” This site will answer that question for you. It contains the steps to put you in the very best financial position possible. We will show you how to make it happen- how to achieve financial independence.

What Everybody Should Know… About How To Achieve Financial Freedom

Financial Freedom means that ultimately you are in control of your money, rather than it controlling everything you do. Think about it, there are really only two options; either you take control of your money…Or, if you are like the vast majority of people, your money controls you…

Which is true for you? Does money control you? You will never achieve financial independence without taking control of your money. If you need to take control of your money, you’ve come to the right place. To achieve financial freedom, you have to live according to a basic truth. It is a simple equation:

You Must Spend Less Money Than You Earn! This gives you margin. Having margin, regardless of your income level, will give you financial freedom. The difference between what you earn and what you spend will determine how much financial freedom you will experience. If you spend all the money that you earn, you are on the brink of trouble. You will live in constant stress.

If you spend more money than you earn, you are in trouble. You live will be in a constant state of distress.

Our culture and easy consumer credit have many people spending more than they earn, not less. Most Americans have 5% negative margin. Every month, they spend an average of 5% more than they earn! How does that happen? How can they be so ignorant of their perilous position?

Here’s how (this may be true for you)… They believe that they have a good “feel” for where their money is going, so they never track their expenses or have a spending plan. (We will teach you how to do those things). They think that they are “OK”, but the reality is quite different.

Even with this 5% negative margin, they continue to overspend by using their credit cards. Then, the credit cards get maxed out, so they either consolidate their loans or refinance their homes to “start over”. But, if people never change the bad habits that initially got them into this dangerous position, it only gets worse…

The cycle begins again with them going even deeper into debt. Because of living in negative margin, many people are only one or two paychecks away from financial disaster. Then, when the storms of life come, people with no margin are in real trouble.

Are You Prepared for Financial Setbacks? Life is messy. There are going to be troubles in your life. No one is immune from the storms of life. Any of these can make you fall into financial disaster…

  • Loss of job
  • Divorce
  • Medical problems
  • Children
  • Automobile accidents
  • Death or disability of the income earner
  • y cuts
  • Retirement plans eliminated
  • Retrenchment or Restructuring

An event like any of these can quickly place a person in a position where he feels he is drowning financially. Unfortunately, most people aren’t prepared to deal with such calamities. Finances are the leading cause of fights in families. That leads to marital breakdown and divorce. Divorce only makes the financial situation worse.

When these troubles come, and they will, it is much better for you to be on the Financial Freedom Trail. If you have adequate margin in your finances, you will be in a much better financial position to weather these storms. This will lower the impact of these events and reduce your anxiety. Your savings (we’ll show you how to build an emergency fund) will give you time to deal with it.

Personal finance is all about manipulating, or controlling your finances to give you the greatest degree of margin. No matter where you are right now on your financial journey, this information, if applied, will move you further in the direction of financial freedom.

Even if you are in Distress or Stress, we can help you move to a place of margin. Each step you take along the Financial Freedom Trail will put you closer to your goal to achieve financial freedom. That way, when you encounter any of life’s inevitable setbacks, you will be better positioned to endure them.

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VIDEOS RELATING TO THIS TOPIC:-

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3) Job Hunt – “Downsized but not Down and Out” http://www.staged.com/video?v=4Nbb

4) My Downsizing Decision http://www.staged.com/video?v=3Nbb

5) How To Go From Mad To Glad – Laid Off Don’t Stress http://www.staged.com/video?v=2Nbb

6) Publisher Downsized or Laid-Off – Self Publishing http://www.staged.com/video?v=0Nbb

7) Lost a Job? Downsized? Unemployed? Here’s What to http://www.staged.com/video?v=zNbb

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